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FINW Stock Chart & Stats
$17.23
$0.10(0.59%)
At close: 4:00 PM EST
$17.23
$0.10(0.59%)
Day’s Range― - ―
52-Week Range$12.82 - $22.49
Previous CloseN/A
Volume1.18K
Average Volume (3M)16.72K
Market Cap
$192.71M
Enterprise Value$182.71M
Total Cash (Recent Filing)$96.95M
Total Debt (Recent Filing)$0.00
Price to Earnings (P/E)11.9
Beta0.57
Next Earnings
Jul 29, 2026EPS Estimate
0.24Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)1.18
Shares Outstanding13,706,039
10 Day Avg. Volume14,165
30 Day Avg. Volume16,716
Financial Highlights & Ratios
PEG Ratio0.52
Price to Book (P/B)1.19
Price to Sales (P/S)1.52
P/FCF Ratio-6.73
Enterprise Value/Market Cap0.95
Enterprise Value/Revenue1.06
Enterprise Value/Gross Profit1.74
Enterprise Value/Ebitda7.09
Forecast
1Y Price Target
$20.00Price Target Upside16.08% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering1
EPS Forecast (FY)1.65
Revenue Forecast (FY)$237.21M
Bulls Say, Bears Say
Bulls Say
Strong Origination GrowthSustained high origination volumes reflect durable demand and successful scaling of lending programs and BaaS partnerships. A consistent origination baseline supports long-term net interest income and fee opportunities, underpinning revenue diversification even as credit cycles ebb and flow.
Conservative Capital StructureA conservatively levered balance sheet and a 16.8% bank leverage ratio provide a persistent capital buffer to absorb loan losses, fund growth, and pursue strategic initiatives. This structural strength increases financial flexibility and lowers insolvency risk over the medium term.
BaaS Partner Pipeline & Product ScaleA growing partner pipeline and rising interchange highlight scalable BaaS economics and cross-sell potential. Structural expansion of payments and card programs supports recurring noninterest income and long-term client lock-in, diversifying revenue away from pure lending cycles.
Bears Say
Deep Negative Operating Cash FlowPersistently large negative operating and free cash flows signal that reported earnings are not being converted into cash, increasing reliance on balance sheet funding or equity actions. Over months this weak cash quality constrains capital deployment and raises refinancing risk under stress.
Elevated, Concentrated Credit LossesConcentrated legacy SBA exposure and rising net charge-offs indicate idiosyncratic portfolio risk that can produce prolonged earnings volatility. Persistent losses from specific vintages reduce underwriting optionality and consume capital until vintages season or are run off, a durable headwind.
Worsening Efficiency & Expense PressureA material rise in the efficiency ratio and higher operating expenses erode operating leverage and margin sustainability. If expense growth outpaces revenue gains, medium‑term profitability will remain pressured, limiting cash flow improvement and returns on capital despite top‑line growth.
FinWise News
FINW FAQ
What was FinWise’s price range in the past 12 months?
FinWise lowest stock price was $12.82 and its highest was $22.49 in the past 12 months.
What is FinWise’s market cap?
FinWise’s market cap is $192.71M.
When is FinWise’s upcoming earnings report date?
FinWise’s upcoming earnings report date is Jul 29, 2026 which is in 17 days.
How were FinWise’s earnings last quarter?
FinWise released its earnings results on Apr 30, 2026. The company reported $0.2 earnings per share for the quarter, missing the consensus estimate of $0.323 by -$0.123.
Is FinWise overvalued?
According to Wall Street analysts FinWise’s price is currently Undervalued.
Does FinWise pay dividends?
FinWise does not currently pay dividends.
What is FinWise’s EPS estimate?
FinWise’s EPS estimate is 0.24.
How many shares outstanding does FinWise have?
FinWise has 13,706,039 shares outstanding.
What happened to FinWise’s price movement after its last earnings report?
FinWise reported an EPS of $0.2 in its last earnings report, missing expectations of $0.323. Following the earnings report the stock price went down -3.794%.
Which hedge fund is a major shareholder of FinWise?
Currently, no hedge funds are holding shares in FINW
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
FinWise Stock Smart Score
Neutral
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Analyst Consensus
Moderate Buy
Average Price Target:
$20.00 (16.08% Upside)
$20.00 (16.08% Upside)
Blogger Sentiment
Bullish
FINW Sentiment 100%
Sector Average 67%
Sector Average 67%
Hedge Fund Trend
Decreased
By 19.0K Shares
Last Quarter.
Last Quarter.
Technicals
SMA
Positive
20 days / 200 days
Momentum
8.08%
12-Months-Change
Fundamentals
Return on Equity
8.24%
Trailing 12-Months
Asset Growth
11.85%
Trailing 12-Months
Company Description
FinWise
FinWise Bancorp, the parent company of FinWise Bank, delivers a comprehensive suite of banking solutions to both personal and business clients. Its diverse range of deposit offerings includes demand accounts (both interest and non-interest bearing), Negotiable Order of Withdrawal (NOW) accounts, money market accounts, standard checking and savings options, as well as various time deposits and Certificates of Deposit. The institution also extends a variety of lending products, encompassing Small Business Administration (SBA) loans, financing for residential and commercial real estate, consumer loans, and other commercial credit facilities. Beyond traditional banking, FinWise provides modern conveniences such as debit cards, remote check deposit, digital and mobile banking platforms, direct deposit capabilities, alongside specialized cash management and treasury services. Operationally, the company maintains a single full-service branch in Sandy, Utah, complemented by a loan origination office situated in Rockville Centre, New York. Established in 1999, FinWise Bancorp's corporate headquarters are located in Murray, Utah.
FINW Company Deck
FINW Earnings Call
Q1 2026
0:00 / 0:00
Earnings Call Sentiment|Neutral
The call presents a mixed near-term picture: the business shows clear growth momentum (strong originations, rapid scaling of a credit-enhanced product, interchange growth, a strengthening partner pipeline and a robust capital position) but is contending with meaningful near-term headwinds (elevated and concentrated SBA charge-offs, weaker noninterest income, a worsening efficiency ratio and deposit/asset runoff). Management reaffirmed key longer-term targets and emphasized that the credit issues are concentrated and actively managed, while also cautioning that charge-offs and NPLs may remain elevated over the next few quarters. Overall, the tone is cautiously constructive on long-term opportunity but guarded on near-term earnings and credit performance.View all FINW earnings summariesFINW Stock 12 Month Forecast
Average Price Target
$20.00
▲(16.08% Upside)
Technical Analysis
Ownership Overview
11.33% Insiders
8.69% Mutual Funds
3.66% Other Institutional Investors
69.90% Public Companies and
Individual Investors
Options Prices
Currently, No data available
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